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3 1. Loans (Hire purchase loans included) 50 Fixed charge for facilities up to Documentation fees 75 Fixed charge for facilities over Mortgage withdrawal 50 In cases of early repayment (excluding refinancing). Cancellation fees for the non-execution of approved facilities 0,50% Maximum charge Commitment fees 1,50% Quarterly, on the daily balance of the unutilised balance of the loan. Withdrawal of loan fee 20 For every withdrawal. Prepayment expenses/early repayment fees of loans that fall WITHIN the Law on Credit Agreements for Consumers Relating to Residential Immovable Property of 2017 In case of full or partial repayment during a fixed interest period, the Bank s compensation shall be calculated on the basis of the mathematical formula as is provided by Table IV (Article 25) of the Law on Credit Agreements for Consumers Relating to Residential Immovable Property 2017 (Law 41(I)/2017). In case of full or partial repayment during a variable interest period, the Bank may demand the payment of administrative costs, in accordance with Table IV (Article 25) of the Law on Credit Agreements for Consumers Relating to Residential Immovable Property 2017 (Law 41(I)/2017). Prepayment expenses/early repayment fees of loans that fall WITHIN the Credit Consumer Law Within the legal framework of the Consumer Credit Contracts Law. Prepayment expenses/early repayment fees of loans that fall OUTSIDE the Law on Credit Agreements for Consumers Relating to Residential Immovable Property of 2017 and OUTSIDE the Credit Consumer Law Compensation of the Bank for any costs, expenses, damages, losses or liabilities (including loss of profits) which may be suffered or incurred by the Bank depending on the period of the loan to be prepaid and the market interest rates. Option to Purchase fee 50 / CHF80 / GBP35 Hire Purchase loans in Euro, Swiss Francs and in Sterling Pounds. 2% Charge of additional interest on arrears which remains in effect for as long as arrears are outstanding. Charged upon termination of account. Loan arrears 5 Each month, for the first sixty days the loan is in arrears. 20 Each month, after the sixty days that the loan is in arrears. Page 3 of 16

4 2. Accounts Up to 3.000: 3 Over : 5 Maintenance fee for all current accounts with an overdraft Over : 35 Quarterly charge. Over : 200 Over : 500 Current account unauthorised excesses (over the limit authorised) 2% Charge of additional interest on unauthorised excess balances, which remains in effect whilst the unauthorised balance is outstanding. Charged upon termination of account. 12 For each day a debit transaction takes place on an account resulting to the creation or increase of the unauthorised excess over limit. Account excesses on credit accounts 2% Charge of additional interest on unauthorised debit balances (in addition to the maximum interest in effect for overdraft accounts). 12 For each day a debit transaction takes place on an account resulting to the creation or increase of the debit amount. Withdrawal from Notice accounts (local currency) without notice 2% Withdrawals of up to 2.000, allowed once a month, free of charge. on daily transfer limit without notice: 500 for E-Notice accounts 300 for the remaining Notice accounts The bank charge is calculated on the basis of the amount withdrawn and the days that remain until the maturity date of the deposits. Payment of a Fixed Deposit account with fixed interest rate before maturity The amount paid to the customer is the initial amount of deposit plus interest for the whole tenor of the deposit, reduced by an interest amount calculated for the number of days that remain until the maturity date of the deposit, by using the average of the prevailing Euribor/ Libor (as the case may be) for the number of days until the maturity of the deposit plus a spread according to the tenor of the deposit: Page 4 of 16

5 2. Accounts Fixed deposit up to 8 days: 2% Fixed deposit from 9 to 35 days: 3% Fixed deposit over 35 days: 4% Statement printing and mailing cost 3-6 Minimum/maximum charge Dormant accounts (Notice and Savings accounts) Minors: No charge Non minors: 5 Quarterly charge. Only for accounts with balance less than Cheques Cheque returned due to insufficient funds 35 Per cheque (drawer s charge). Cheque returned unpaid twice or more due to insufficient funds 10 Per cheque (beneficiary s charge). Return of paid cheques to drawer 10 / 50 Minimum per cheque / maximum charge for each date. Stop payment request 10 / 25 Minimum charge for each cheque / maximum charge for each request.. Chequebooks 15 Charge for local and foreign currency accounts (USD/GBP). 6 Special Presentation 20 For each cheque that Bank of Cyprus presents to other local Banks or for every Bank of Cyprus cheque presented to other local Banks. Issue of local Bankers Drafts 0,15% Minimum charge 5 / maximum charge 20. Cheques cashed 0,2% minimum 5 Other local Bank cheques. Central Bank of Cyprus cheques. Page 5 of 16

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